Segmentation of clients according to dispositions to cyber risk and a plan of preventive measures

The final thesis of the MBA program Data & Analytics for Business Management deals with the topic of segmenting clients according to their disposition to cyber risk and at the same time preparing a plan of measures to minimize these risks and strengthen the protection of bank clients. The aim of the thesis is to examine the view of the current approach to segmentation and confirm, verity or deny the existence of new factors that may enter segmentation and thus strengthen preventive measures. These are designed precisely because of the knowledge of vulnerabilities on the path of cyber fraud. The introduction of the thesis is devoted to the explanation of the issue of cyber fraud in a broader context, including its placement in the structure of the ČSOB group. This is followed by an introduction to work with segmentation and a description of outputs from the data model. The measures themselves are defined into three pillars, where the greatest attention is paid to the design of new measures in the business offer. At the end of the thesis, it is evaluated how both parts, i.e. segmentation and measures, should be interconnected and how the current development of cyber risks should be reflected.